[edhans]

Jeff,
GemMintAuctions and vintagechris are correct. The funds appear in your account as available within a day or two, but they often haven't cleared the payer's bank by then. They will freeze some larger transactions depending on the history and size of your account. The point was that while most domestic checks do clear in a day or two as you correctly stated, certain types of accounts and checks drawn on off-shore banks can take significantly longer.